Transcription
Most of the calls that I get, they don't start out with, "I want to sell my house." They start with, "I don't know what to do. Um, but I thought to call you or I was told to call you that you specialize in the crazy stuff like this." Maybe it's a house nobody wants, a partner who won't sign, uh, a loan that's about to blow up, or already causing new issues. If any of that sounds familiar, this video is going to make sense to you.
I help sellers who are stuck. I have built my entire real estate investing career around being really good at solving the problems that other investors run away from. And I'm often a resource that professionals in the industry like agents, attorneys, and lenders keep in their back pocket for when the messy stuff comes up. They say, "Hey, I've got a girl for that."
Most of my deals fall into a few categories, and I want to break those down for you. So, the first category, it's going to be ownership or title issues. And I'm going to explain, don't worry.
So, the first one that really kind of falls into that is where one or more sellers refuse to sell. So, let me talk about what that looks like in real life. And so, let's just say multiple people own a property, but maybe they're not aligned. This happens often with you know inheritances like so one heir feels entitled to more or they have a misconstrued you know idea of what the property is worth. Maybe another one wants to they don't want to sell. They don't think now is a good time. They want to keep living in it or they're just digging in their heel for some reason. Maybe the the emotions are really high. This could even be, you know, business partners that have a falling out. Something happened with the business plan, it's no longer working. We see this often with divorces where the emotions are definitely running higher than logic and the property sits stuck while relationships deteriorate. You know, sometimes this is used as a way to get back at other people. So, when someone doesn't want to sell, that's a problem.
And let's talk about why it's hard to solve. You know, a lot of a lot of investors are not looking to deal with a property that can't sell. Meaning, you know, traditional sales require that there is unanimous agreement. You know, all parties are on board. You know, obviously people have the legal right, but not everyone is looking at the property the same way. So, you know, attorneys might get involved quickly. You know, timelines are not being adhered to. Um, the costs are piling up while, you know, the property might even deteriorate or resources are running low just because everyone can't get on board. So, this is why it becomes a very difficult situation.
And so, here's the type of solutions I bring. So, I focus on a path where it doesn't require everyone get on board, which is not your traditional sale, right? Everyone has to get on board to sign either a purchase agreement or a listing agreement. I can structure buyouts where I say, "Okay, you don't want to sell, but you, you, and you do." Uh, I can negotiate different types of exits. Um, timeline based solutions. Maybe someone just needs a little bit more time and the rest of everyone else doesn't want to adhere to that timeline. You know, I I deal with different types of options that let people move on without forcing a one-size-fits-all for all the owners. And it allows us to find an outcome that works. This is often a unique approach because people generally only want to buy 100% versus I've dealt with as low as 3% ownership. And you know, oftentimes I'm saying, "Hey, how can I make this situation work?" because I understand. Look, I went to school. I remember it was like doing a group project. You know, people don't always carry their weight or they don't always see eye to eye. So, that's one way that I can solve problems.
Let me talk about the second way that I help with ownership or title issues. It's when there's a missing owner or you just don't know who owns it. Specifically, this usually shows up when someone dies. And you know, let's just say we do know who the heirs are, but one of those heirs we haven't seen for 20 years. You know, we have no idea where they are. Maybe they were homeless. Um maybe they were into, you know, let's just say they were the black sheep of the family. They were in and out of jail. We don't know where they're at now. Um or it's someone who doesn't want to be found. You know, they kind of ran away and are refusing to talk to the family and are making it hard to be found in the first place because, well, they don't want to be involved. So, that's one scenario.
The other scenario is, you know, I have this property that the guy, the owner, he died, but no one, he didn't, he wasn't married to anyone. He didn't have any relatives that we know. He didn't have any kids. So, who's the owner? Right? I have people, you know, come to me and they say, "Courtney, I've got, you know, a rental house, but there's a house next door to it. The grass is a, you know, a mile high. There's rats in the yard. Uh, it's such a problem, but no one knows who actually owns this property now that the guy died." So those are the type of situations where nothing can be done most people think because well you either have a person that's hard to find or doesn't want to be found or you have an unknown situation of who the actual owner is.
So let's talk about why that's difficult. Um because ultimately you need to deal with an owner, right? You need to get someone on board. You know, plenty of people, you know, die without a will. Plenty of people um don't open up and share about, you know, who the heirs are or maybe their family situation. And look, a lot of buyers are going to walk away if they hear that not all owners are involved. There's one that's missing, you know, stuff like that. So, the longer it sits, you know, worse the problem becomes. People get behind on property taxes, you know, the grass becomes high, the property deteriorates. And so I often will bring a solution where I'll work through the process patiently and I will do the hard work of researching. I've built out family trees. I'll coordinate with professionals and I'll put in the work to locate the missing parties and really figure out who the actual owners are. And then once I find them, I strike a deal that makes sense for the situation. And with the many tools in my tool belt, I can deal with the owners we already know about. But I can then also, you know, and I can get them settled and squared away day one and then I can go and spin the long arduous task of figuring out the other stuff. I really have all of those at my disposal. And so when you're dealing with ownership issues like the first one where someone doesn't want to sell, you know, there's some disagreements that way or it's just actually identifying the owners or finding them to to actually do a deal. These are ways I can show up and help.
Now, when it comes to, you know, different title issues or or someone who doesn't want to be an owner, what I have found is that one of the the third ways I can help is when a lender has a property and they don't want it because someone defaulted on a loan. So, a lot of times I'll see like a hard money lender or a private money lender, someone who said, "I'll pick up the money for this deal, whether it's a flip, whether it's for a family member, whatever, and then they're stuck when that person stops making those payments." You know, maybe the buyer's disappeared, they stopped making those payments recently or a long time ago, or they just simply can't finish the deal. The buyer is at this point incompetent and the lender doesn't want to own or manage the real estate. Maybe they have it in one of their retirement accounts and they're like, "The last thing I want is to have a real estate piece of real estate in my 401k. I thought I was just going to lend and get payments, right?" So, it can be difficult to solve because well, not everyone wants to go the legal route of foreclosure and in some states that can be slow and expensive and maybe they said this, "Hey, this is a distraction for what I do." And you know, selling the note is an option. Um, and a lot of times though, either that or taking over the property and selling. I mean, it's not an easy market to be selling right now. It might mean a loss. And many lenders are operators, not property managers. So, they don't like the sticks, the bricks, and the swinging the hammers or dealing with that stuff, right?
So, what I do in these situations is I step in the middle and I say, "Hey, I am a property person, right? I'll take a look at the property. I'll look at what's going on. I'm going to evaluate what I could do with it because I have a lot of different options I could go with and I'm going to structure a solution that reduces the time, the stress, and the uncertainty so that that lender doesn't have to step into the property and do something with it. Because maybe that property is far away again, they don't want to be a property manager, right? And sometimes the best outcome isn't ownership, it's figuring a path that works for them. Maybe it's getting them back to just receiving payments, something along those lines.
Now, on the fourth type of solution I I frequently can solve is uh similar. It's where someone like a seller, maybe it's a normal seller, maybe was an investor who sold a property on some form of creative financing. So, seller financing, bond for deed, land for deed, land contract, or subject to the loan. And now that borrower who bought on those terms is in default. So that creative deal that once made sense, right? It's no longer working. Maybe payments have stopped now. Maybe credit is being impacted. Uh the communication's broken down. Maybe that buyer is in the picture, maybe they're not. The seller oftentimes is going to want out because they don't they they want to figure something out because it's turning into a bigger mess, right? So, a lot of times ultimately when it comes to this, buyers are, you know, saying, "Hey, look, well, let me know once you figure this out, right? Once the mess is done." But I like to step into the mess, right? I understand a lot of times emotions are running high for both the defaulted buyer or borrower or you know the seller who hey this was working well when I was receiving payments. Now this is a nightmare right and I understand how these deals work. I live and breathe in the creative world right not just creative financing but you know creative solutions and so I understand how these were built. I also understand how they unravel. And so my focus is a clean transition, you know, minimizing the damage to the property, right? Don't let this just keep passing on and, you know, deterioration happens and stuff like that. And then I create an exit that doesn't leave either side worse off than where they started or it's something that makes a win-win-win for the situation. So look, ultimate times, most buyers don't understand these types of deals well enough to to figure them out. I love this stuff. And so when there is some sort of default, especially when it's with an individuals and not with an institution, a lot of times I can step in and figure something out and get it back to where it is performing and it's working well for for those involved. It's helping someone exit. It's helping someone else, you know, get away from the mess. Regardless, whatever that looks like, if you're dealing with something like this, I just want you to know that when it comes to ownership and title issues and financing issues like this, you know, you're not alone and I can solve these types of problems. I love the challenge of figuring it out.
So, so that was ownership and title issues, right? Um, the second category I often deal with is financing or life transition problems. So, I'm going to explain what those look like and what those types of deals are.
So, the first one is someone facing foreclosure. This is easily one of the biggest things I'm known for. And you know, what does that what does that look like? It could be someone who they've already started missing payments. You know, the notices are piling up. The lender's been reaching out. Maybe at this point now they're getting served. Um, you know, sometimes the the auction date could be weeks away. Sometimes even the fear can show up long before the paperwork does, meaning they know they're going to start defaulting on this. Um, and that's happening, right? Especially in a difficult market. And a lot of times this can be sol hard to solve for buyers because oftentimes it's a ticking time bomb, right? You've got to understand that one, it's high stress, high emotions, and time is not your frame. Time is very expensive and a traditional sale takes a while and putting something on the market right now is really hard to predict how you know how fast it'll sell right when buyers are scarce and the market can have long days on market um I mean that can be tough so I understand that when it comes to situations like this what I focus on is you know really understanding where we're at on the timeline so I can act with speed so I'm you know, 24 to 48 hours or hey, we've got a few weeks and we need to maybe give the seller some time to to move out. Like, I can work with timelines, but I also work with clarity. Hey, this is what's going on. This is where you're at in the timeline. This is what's happening, what's going to happen next, and here's some realistic options. I call it my come to Jesus talk where I'm like, hey, look, I want everyone to know what's going on and what needs to happen. So whether that's preserving, you know, equity, stopping the bleeding, creating time, like really the go the goal for me is control instead of panic and saying, "Hey, I want you to be informed of your options so that you can make an informed decision for you and your family." And this is one that can vary state by state. So specializing in foreclosure, it's one of those things where whether I'm dealing with a homeowner and an investor or whatever that can look like, my goal is to say, "Hey, we need to get on top of this. Time is not our friend. Let's find some solutions today."
So, another problem that I solve is this is going to be one that I want to make sure I explain it because it was kind of hard to name it because but it's something I come come across so often and it's someone who needs more than what their house or the market can give them. Again, let me explain. Sometimes it's the numbers don't work. Um like there isn't enough equity. So, for example, I need to sell my house, but I don't have a ton of equity. Maybe I bought in 2022 and going into today's market, I don't have a ton of equity. Um, maybe I have all these leans and judgments. So, it's not just when I bought the house in the original loan I had, but it's all these other, you know, leans and judgments that are making my equity situation difficult. Um, maybe it's all of my money. Maybe they don't even have a mortgage. All of my money is tied into this house and you're telling me the market will only give me this for it based on its condition and what's going on, but I need all this much more because this is what I need to live on. This is my retirement or I inherited this property. It was meant to be, you know, my retirement or to go toward XYZ, maybe my medical care or something like that. And maybe you're saying, "Hey, that I need something really flexible." So, for example, if you put a house for sale on the market, you know, generally speaking, someone's going to buy it and they're going to want to move into it, right? But maybe their next move depends on timing, financing, maybe getting into a retirement home or relocation or something. And so they need maybe what the market can't give them, which is a good bit of flexibility and understanding. So that's that's what I'm talking about here. When someone needs more than what the house or the market can give them, and it can be hard to solve because not all buyers are willing to give, right? Uh people don't care about personal timelines or the fact that you need more or that you're on a fixed income or that, you know, you can't exactly qualify for financing on, you know, where you're trying to move. You know that people don't always care, right? Um, you know, people don't adjust for life circumstances, stuff like that, right? They get people obviously they they get stuck between what they need and what's possible.
So, what I do is I always look beyond price because numbers are not the only thing I deal in, right? The biggest thing that I offer someone is not just price. It's what else I bring to the table. It could be terms. It could be timing. It could be a creative structure. It can be alternative exits. Um, it could be you have a house and you can't qualify for financing and you need to downsize for something. Well, I might say, you know what, let me trade you. I have this property. Let me trade it for that. Right? Like it could be again that something creative. Thinking outside of the box. Sometimes the solution isn't more money. It's maybe flexibility or you know but but here's the reality is I can work with both the situation and the limitations that they're facing instead of forcing a bad outcome. I can say maybe it's price and flexibility. Well, maybe we can make something work. That again, I said it's kind of hard to explain, but y'all with fixed incomes, with different life situations, with people who at the end of their life, and they're like, I I don't just need to sell my house and make money. I need this, this, and this. Right? These are the things that I understand impact real estate. And so, therefore, I'm ready, willing, and able to figure out a solution for them.
So, let's talk about the seventh problem that I can solve. It's when landlords who are ready to exit, but they're concerned about taxes. Now, I'm talking Uncle Sam taxes. I'm talking, you know, income taxes. So, what this looks like is when someone's been a landlord for a long time and they're tired. They want to retire from the business or maybe their kids or whoever their heirs are don't want to inherit this business and they don't want the properties. You know, the portfolio worked for them and it was good, like this landlording business was good for them, but now it no longer works for them. And so when they think about selling and if they're smart, they went and talked to their CPA, their tax repairer, all of a sudden they're finding out, wow, so if you're telling me if I sell today, I'm going to lose a big chunk of it to Uncle Sam. See, that's the problem. A lot of buyers don't think about these implications, right? They they don't care what it means for the seller, right? They don't care that, you know, a traditional sale can erase years of smart ownership and investments in one transaction with these tax consequences, right? They don't care about things like capital gains, depreciation or capture, and the timing of all of it, right?
So, what I do is I study the tax code. I understand these things. I'm an investor who has sold as well. I understand tax consequences. And so I work with exits that consider tax exposure. Like, hey, we actually I've sat down with CPAs. I've made with my offer, I've actually even made it to where, hey, let's sit down with my offer with your tax advisor, right? Um I've talked about, you know, income replacement, like, hey, you love the benefits of rentals, right? The monthly income, um, but you hate the burden of it, right? Managing tenants, you know, roof goes out, all that. And I've even talked about long-term outcomes like, hey, you know, my kids don't want to inherit my mobile home parks, but you know, I want to set something up for them. And so for me, I can say, hey, let me make an offer that would still benefit your kids, but would remove them from the headaches and the management of the property ownership part, but they would still get the benefits, right? So those are more like uh long-term thoughts, right? Long-term plans. Even some will call it estate plans. So the goal is to get out of the burdens of the B business but not punish the owner for investing well, you know, their success. So these are things that they're not, you know, there are things that come up and, you know, sometimes people just take the hit, but I say, hey, look, there is another way. You're not alone. Um, life happens, right? Um, people, you know, people defy your plans. Maybe you've been having rentals and you say, "Man, I really wanted my kids to want this, but they don't." Those things happen. Life happens with real estate. And I'm here to say, "I understand that. I recognize that, and I've got some thoughts and some solutions."
So, the third category, so if you remember, the first one was ownership and title issues. The second one is financial or life transition problems. And then the third one is the market or marketability problem of a of a property. So we're seeing this a lot right now. Uh one that many of you guys know I like to deal with while many other people don't is hoarder houses. Have to make sure I say that slowly. Hoarder houses, right? Yes. I'm talking, you know, stuff five, six, five, six feet tall and throughout the house. I'm talking the nastier the better. So, I understand that it is when when someone has one of these, whether it's you're the owner, you inherited it, um, or you're the agent who has this listing, something like that. I understand that it is overwhelming clutter. There might be health hazards. Um, I've dealt with situations where people had to be removed from these hoarder houses because their doctor said that this was so detrimental to their health that by staying there, they were going to die sooner. Um, I've seen a lot of people, you know, it's deferred maintenance. You know, the roof's starting to open up. You know, all of this stuff is, you know, they don't they're running out of money maybe to to handle these things, right? But yet there's such an emotional attachment it can be tough. And many times though that it can be tough to deal with because well you inherited it or someone inherited it and they said I don't even know where to start. And so then they just kind of avoid the issue but then they're just like well I've got this big mess and I don't know what to do with it and no one wants to list it um because of how it is. You can't just, you know, it's not something you just go take pretty uh photos or videos of and and just list it, right? So, most buyers, they can't see past it. Um, you know, I've had I just recently had a hoarder house that I bought where I was not the only buyer who who was, you know, told about the property and showed up, but I was the only one who was willing to go into the house because well, all the doors were screwed in tight because of squatters and I went through the window and fell onto a nasty bed, right? And but that was the only way to get into the house and I needed to go inside and see things, right? And a lot of buyers, they they get stuck on it. They're just like, "Yeah, no. I can't see what's going on behind that big pile of stuff." Or like, "I can barely even get into that room. I can't tell what the condition is. I don't know if I can run my numbers. I don't feel comfortable." You know, or you know, people say the cleanup feels impossible. Um, but ultimately times, you know, you also get some people who inherit them or who are involved in these situations who there's so much shame. You know, it keeps them from asking for help.
So, here's how I show up is that my background is in the nonprofit world. And so, I show up and look, there's no judgment. We're going to talk about the stuff, but we're only talk about it a little bit. We're going to talk about, look, if I buy this house, take what you need. Take what you want. It could be everything. It could be nothing. It could be 10%. I just need to have an idea. Do you plan on it being some? Do you plan it being none? Maybe you inherit it and you said, "No, I don't want anything." Or maybe you said, "I inherit it. I need to go find a few items whether or not I need you to take it with the stuff." Um, I handle all the logistics. So, if I'm going to buy it, my offer is. You can leave as much or as little as you want. Again, we're going to talk about that. But other than that, I'm not going to sit here and I am not going to cast any judgment on the smell, um the stuff, the situation, and I will make with my offer the all of it will be my responsibility to clean up. You know, I'm going to deal with all that stuff. And at the end of the day, that is something where I can say, "Hey, look, you can then just walk away." And that is huge for people, right? Look, I get it. I have dealt with, you know, deceased animals, um, animal feces. I've dealt with the smell. I've dealt with, you know, pest. I've dealt with all that stuff. And I understand that that comes with that the territory of this. And so, I'm going to say this. Look, I am willing to go there, get into the midst of it, and say, "Hey, look, I will deal with you, and I'm not here going to say you should have cleaned up or how'd you get let it get this way." I'm not going to say that because I understand that that is not the problem I'm here to solve today. I'm here to say, "Hey, if you want out, I can help with that." And I'm going to be your friend through it and I'm going to show up as a human as well. So, a lot of buyers don't want to deal with that, right? Or let me just frankly say, they don't have it in them to show up that way.
So, the ninth thing that I can help with is difficult to sell properties. So, somewhat like a hoarder house, right? Can be difficult to sell. But another thing this looks like is, you know, long days on market with no showings, right? Prop the property sitting for sale. You're doing everything you can. The agent is, you know, using social media. They're, you know, sharing it with people. They're pinning it out there. They're doing open houses, but there's just no showings. No one is showing interest in the property. Maybe it could be that it's a landlocked piece of property, like it actually has some level of it that is difficult to sell. You know, people don't want a property that you can't access. Um maybe it's an odd layout um or some sort of issue that scares people like foundations or termites. Maybe it's that there's not a lot of equity so it's hard to sell because you have to get an x amount of price and kind of like we talked about earlier. Um or it's a property that the market just keeps rejecting for whatever reason. And I get it. Sellers get exhausted. But if a seller is ready to talk about all options, I know I can help. You know, traditional buyers, they want they want easy. They can be picky. Um agents can often struggle to position a hard to sell property. You know, like whether it is again landlocked property or it's got odd layout or something or hey, how do you list a property that doesn't have much much equity and I know that pricing is just going to be tough and let's also talk and say that price reductions don't fix structural properties uh structural problems, right? Or stuff that the market has already rejected. You know, maybe they just don't people there's not a lot of demand for people to buy that type of property right now. Something like that.
And so I look for creative exits. I I live and breathe thinking outside the box and and just overall being creative. So that's a a huge part to this, right? Um and I look for use cases other people ignore. I have more tools in my tool belt than most normal buyers. So the solution often isn't lowering the price. Sometimes it is, but it isn't often that. It might be just changing the strategy being and o and and being open to being creative if how I go about it and think about it.
So now the 10th and final problem you know that I like to solve that we're going to talk about today is investor deals that have gone south. This is such a common conversation right now especially in this market. And so let's talk about that looks like in real life. So we're seeing flips that aren't selling. I right now in my own neighborhood am looking just within five houses of mine there's two houses that have been for sale for the last six to seven months and they're not selling and they have been renovated. One of them looks like HGTV came in and and renovated the property but it's just sitting. Um, you're also seeing the the burr method. So, where an investor will buy a property, renovate it, refin, and they're trying to refinance it to get away from maybe short-term debt that they have into more long-term debt, but they're struggling. I've also seen partnerships that aren't aligned anymore. So, um, maybe the, you know, multiple deals are failing and the partnership is falling apart. So, now there's an issue on that front as well. You know, capital is stuck, you know, loans are coming due, stress is high. I've seen that. So, these can often be hard to be, you know, solved sometimes because, you know, ego can be involved. Um, maybe people are realizing, okay, I have too much money tied in this, but they're not ready to accept some loss. Um, or that it the outcome is not going to look exactly what they thought it would look like. And maybe they're hopeful that things will get better, but because they don't know when that looks like, maybe they're just delaying a decision because they're hoping some miracle, some unicorn buyer will come out of nowhere. Um, but the longer it drags on, the worse the outcome often becomes.
So, here's what I do is, you know, I bring this non-emotional analysis into the play and I say, "Look, I've got a lot of different exits we can look at." And sometimes that means having a hard conversation and you know cutting losses strategically instead of you know emotionally but like at the end of the day it could also be well look I I know you're trying to do this, you know, what else do we have on the table? Let's look at everything going on and I say, "Hey, there might be an option you're not thinking about or someone who you currently don't know that maybe I can help introduce you." These are the ways that I look at it and I say, "Hey, look, let me look at your situation behind, you know, I kind of am like the I jokingly say like the Wizard Oz. I'm going to talk with you, but then I'm going to go behind the curtain. I'm be like, you know, I'm going to look at all these different options. I'm going to play with these different levers. I'm going say, "Hey, what can I make work?"
So, those are the 10 types of solutions that I can, you know, provide for problems that a lot of investors run from. And they run from them because they're not easy, right? They take skill, they take knowledge, and I just happen to specialize in solving them.
So, with that in mind, I if you're in my target market, so South Louisiana, greater New Orleans area, plus some of the surrounding areas, uh, South Mississippi, so Hattisburg's down to the Mississippi Gulf Coast, or the the greater Tampa Bay area in Florida, look, if you're in that target market and you're dealing with one of these situations or you know someone who is, right? That's also a factor. Maybe it's someone you know. Um, something along those lines. I want you to reach out to me.
So, here's how you can do that. So, you can go to courtneyfrick.com and you can email me. You look at the go to courtneyfrick.com, look for the envelope at the top. Uh, you could DM me on social media or you can fill out a form on my website. So, if you go to courtneyfrick.com, at the very top, there's a link and it says, "Messy real estate situation, fill out this form for a custom solution." And what I'm going to do is I'm going to I'm going to read that. That comes straight to me. I'll assess it. I'm going to reach out to you to talk about an option. So, this is for my target market. I am not good with solving problems in Idaho or Nebraska. If you need a problem, if you need a solution for something like that in a different place that's not in my target market, comment below and I might be able to connect you. Maybe shoot me a DM. I might be able to connect you with someone who I know who is like me but in your market.
So, if you're an investor or a professional in the industry and you come across one of these situations, maybe as an investor like this is beyond my specialty or I don't want to deal with this type of stuff or as a professional you're like, "Hey, sometimes these things come up. I'm marketing to people and sometimes I get one of these. I need someone to know that can help with this. This is exactly the type of call I want." Okay? So, I want you to keep me in mind for the messy stuff, right? The messier the better. Or even if it's not listed in one of these, feel free to reach out to me, okay? If you're in my target market, if we haven't connect, we haven't connected already, DM me. I want to make sure you have my number. I want to make sure we're connected. This is the type, you know, maybe at the end of the day, this is just the type of stuff that intrigues you as an investor or as a professional, this channel is for you. So, make sure you're subscribed and you stay tuned for more ways I share how to be a solutions-based real estate investor. And I hope I hope this uh this video got you thinking that there are ways to solve these types of deals out here. And I for one am proud to be the type of person who specializes in these because I love showing up as a helper and finding ways to help solve the problems tied to real estate in my target markets. Appreciate you guys watching this. Stay tuned for the next video. Make sure, like I said, you're subscribed to watch them, but comment below if you've got questions or if you know someone who has a problem like this or if you yourself are facing this and you're in my target market, South Louisiana, South Mississippi, or the greater Tampa Bay area in Florida, reach out to me.